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Norma Del Carmen
Norma del Carmen continues striving to make her business grow by means of loans. She started the business with just a few basic staples for her neighborhood customers. She’s her husband’s right hand; he works in construction. They both share household expenses and their three children’s schooling costs. The children are 19, 14 and 10 years of age and attend public schools.

She’s asking for the loan to stock her store with the following products: beef, chicken, pork, soft-drinks, sugar, rice, beans and oil. In future, she plans to have a larger stand in one of the capital’s markets because her house doesn’t have much space.
View original language description ↓
Norma del Carmen continúa esforzándose a través de préstamos en hacer crecer su negocio, el cual inició con la oferta de algunos productos básicos para clientes dentro de su barrio. Ella es la mano derecha de su esposo que labora como albañil, ambos comparten los gastos generales de la casa y la educación de sus tres hijos de 19, 14 y 10 años de edad, los cuales estudian en colegios públicos. Solicita el crédito para abastecer su pulpería de los siguientes productos: carne de res, pollo y cerdo, refrescos, azúcar, arroz, frijoles y aceite. En el futuro ella piensa tener un puesto más grande en alguno mercado de la capital, porque su casa tiene poco espacio.

Additional Information


This loan is administered by AFODENIC, La Asociación para el Fomento al Desarrollo Nicaragua, a Kiva Field Partner based in Managua, Nicaragua. Founded in 1999, AFODENIC was created to promote the socio-economic and cultural development of sectors that are excluded from commercial banking. Integrating economic and human resources, AFODENIC offers affordable and adaptable financial services aimed at strengthening the family unit of their clients, who include students, producers, and micro- and small entrepreneurs from rural and urban areas. AFODENIC is a socially responsible institution engaged in society and making a positive impact on its professional partners and communities.

Supporting a borrower through AFODENIC contributes to the pursuit of innovation in mitigating poverty in Nicaragua. Visit AFODENIC’s partner page for more information.


About Nicaragua

  • $4,800
    Average annual income
  • 62
    View loans »
    Nicaragua Loans Fundraising
  • $25,382,700
    Funds lent in using Kiva
  • 25.0
    Nicaragua Cordobas (NIO) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Norma Del Carmen to buy stock merchandise for her store.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Oct 17, 2013
Oct 28, 2013
Currency Exchange Loss:
Apr 17, 2015